[TechAssist] Re: Insurance is strange (Crying customer)
- From: greentron@xxxxxxx
- To: techassist@xxxxxxxxxxxxx
- Date: Wed, 31 Mar 2004 03:25:59 +0000
The homowners insurance was probably the best bet since it was someone elses
property in your possession. You would have a good argument that it was
sporting goods rather than a vehicle. When I have a dispute about insurance I
contact the State Insurance Commission if my agent will not support my
position. This doesnt cost anything and the insurance companies like to keep
the Commission happy. You also had a good reason for making a delayed claim.
J Silverman
> My son Martin, worked for an outfit who repairs newspaper presses all over
> the world.
> While away, he stored his (If I remember correctly) Kawasaki 500 Dirt Bike
> in my shed. He purchased it new and sill owed $7000.00.
> Note, this bike is a dirt bike, and was not licensed for street use. It was
> insured.
> It was stolen out of my shed. On my property.
> I reported it to the local police.
> They told me that I could NOT report the bike stolen, only the owner of the
> bike can do that.
> Martin was working in Mexico, and I could not get a hold of him by cell
> phone. It took me two weeks to reach him.
> He called our local police to report that the bike was stolen.
> Now, with the police report number, we were able to prove to the insurance
> company that the bike was in fact stolen.
> Several weeks later we received an answer from the insurance company.
> They could NOT cover the loss due to the fact that the bike was secured
> behind lock and key on private property.
> If the bike would have been wrecked in an accident, on or off road, it would
> have been covered. Also if the bike would have been stolen on public lands,
> it would have been covered. Their suggestion was to contact his vehicular
> insurance.
> Martin's vehicular insurance informed us that since this bike was not
> licensed, nor was it transported by a licensed vehicle, they could do
> nothing. Their suggestion was to contact my homeowners insurance.
> My homeowners insurance could not cover the loss due to the fact that to
> much time has elapsed between the theft and the reporting and that it was a
> vehicle.
> About a year later the police called us to find out if we ever recovered the
> bike. My wife took the call. She is German/Irish. Need I say more?
>
>
> -----Original Message-----
> From: Tech Support List [mailto:TECHSUPPORT@xxxxxxxxxxxxxxxx]On Behalf
> Of Jerrell Helms
> Sent: Tuesday, March 30, 2004 11:22 AM
> To: TECHSUPPORT@xxxxxxxxxxxxxxxx
> Subject: Re: Crying customer
>
>
> Insurance is strange. I found out this year that I could change my insurance
> on one vehicle to a personal policy much less expensive even if I regularly
> make house calls on it. If I haul TVs in it though it has to be a commercial
> policy. This is Progressive Insurance. The hitch; the commercial policy does
> not cover damages to the customer product. That is covered by my business
> property policy.
>
> In Alabama, probably everywhere, a homeowner's policy is the primary
> coverage for items that are normally in the home, no matter what or where
> happens to it. I even had a friend who was able to get re-imbursed
> (completely legitimately) by his home owner's for his mechanics tools that
> always stayed in his truck when they were stolen, and his vehicle policy
> said no.
>
> It never hurts to ask. I even found out my homeowners would clean the limbs
> from my yard after Hurricane Opal ( after I had already done it myself.)
>
>
> Jerrell Helms
> Helms Radio & TV
> 966 S. Park Ave
> Dothan, AL 36301
> PH 334-793-8291
> FX 334-793-1782
> mailto:bjhelms@xxxxxxxxxxx
> -----Original Message-----
> From: Tech Support List [mailto:TECHSUPPORT@xxxxxxxxxxxxxxxx]On Behalf
> Of Mark Wentowski
> Sent: Tuesday, March 30, 2004 12:26 PM
> To: TECHSUPPORT@xxxxxxxxxxxxxxxx
> Subject: Re: Crying customer
>
>
> Apparently there are a lot of different policies available. One time we had
> a customer break their set when they got in an automobile accident on the
> way home from our shop. The car insurance fixed the car but wouldn't pay for
> the TV but the homeowners insurance bought them a new set. I thought that
> was very strange.
>
> Mark Wentowski
> Perry Hill Electronics
> 3836 Harrison Rd.
> Montgomery AL 36109
> phone: (334)279-5622
> fax: (334)273-9050
> phes1@xxxxxxxxxxxxx
>
> -----Original Message-----
> From: Tech Support List [mailto:TECHSUPPORT@xxxxxxxxxxxxxxxx]On Behalf
> Of Chuck
> Sent: Monday, March 29, 2004 6:28 PM
> To: TECHSUPPORT@xxxxxxxxxxxxxxxx
> Subject: Re: Crying customer
>
>
> At 06:06 PM 3/29/2004, Mark Wentowski wrote:
> >It certainly made me take another look at my insurance.
>
> To All,
>
> Insurance does NOT cover what the home owner breaks. Now if he had broken
> his next door neighbors TV, it would be covered.
>
> If he had purchased it on a credit card, I **think** some credit card
> companies would have paid for a new set.
>
> BTW: My cost on the new parts was over 5K on a set that costs less than 4K.
>
> Chuck
>
>
> "VACATION TIME IN THE SMOKIES"?
>
> NESDA members will receive a discount! See message below signature file.
>
> Chuck Biddinger
> Electronic Repair Company
> 8518 First Ave. North
> Birmingham, Alabama 35206
> Office (205) 836-0454 (Central time zone)
> Home (205) 833-3589
>
> mailto:erc@xxxxxxxxxxxxxxxxxxxxx
>
> *******************************************
>
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>
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>
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>
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>
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>
> Check it out:
>
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>
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